Comprehensive Multi-Risk Insurance for Businesses and Entrepreneurs

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Insurance for businesses and self-employed persons with or without premises

Your business deserves to have the protection of the Seguro Multirriesgo Integral Comercios y Emprendedores, so that day-to-day risks do not jeopardise its operational continuity.

Designed to meet the needs of both businesses (shops, chemists, bars, offices, restaurants, hairdressers, etc.) and self-employed persons with or without premises (builders, locksmiths, plumbers, etc.), with a wide range of coverage and services that adapt to each activity.

Coverage

Material damage¹
Fire and complementary risks
Atmospheric phenomena.
Electrical damage to appliances up to 100% of the sum insured, with no excess.
Water damage.
Damage from broken glass, windows, mirrors, shop windows and sanitary ware.

Damages due to theft¹

Up to 100% of the established limit of money in the case of robbery.
Damage to premises due to theft.

Civil Liability (CL)¹

Civil Liability coverage for operations, workplace accidents, products, work carried out at third-party premises.
Legal defence cover, up to the limit established in the policy.
No excesses and adaptable to municipal and regional regulations.

Business Interruption losses¹

Compensation for the profits and/or permanent expenses of the company in the event of temporary stoppage of the activity as a result of a claim covered by the material damage coverage, including due to theft.

How to arrange cover.

Take out your Comprehensive Multi-Risk Insurance for Businesses and Entrepreneurs at your nearest branch or through Santander Personal.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

FIND A BRANCH OFFICE

Services complementary to the insurance for businesses and self-employed persons

The Seguro Multirriesgo Integral Comercios y Emprendedores has additional services designed for your business, including:

Bricomercio¹

Travel time, 2 hours of labour and up to €50 in materials costs for non-urgent DIY tasks at the premises.

Emergency assistance service

Travel time and 3 hours of labour covered.

Technological and computer assistance service

Computer technician available to the customer 24 hours a day.
Computer monitoring and expert reporting in case of employee misconduct.
Safeguarding the image of the customer on the web (opinions, comments, forums).